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The Portcullis Voice

Our latest blog posts are below

Ski Insurance28-Dec-2013

Travelling to the slopes? The Times - Money section - has an excellent check-list for ensuring you and your family are protected.

  • 1 in 7 skiers do not have insurance, and a quarter of all skiers will have an accident or 'near-miss'. Direct Line report 3 or 4 fatalities per year, and Aviva pay an average winter sports claim of £740, although for more serious injuries this figure will be considerably higher
  • If you carry a European Health Insurance Card don't rely on it as an alternative to insurance - it doesn't always match...

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Who pays!06-Dec-2013

In 2013-14 people in the top 1 per cent of earners will contribute 29.8 per cent of all income tax received by the Treasury, currently approximately £150 billion a year. They are typically individuals with an income of more than £160k per year.

But that’s not the whole story. There are approximately 18k people who earn more than £1 million a year and contribute 11.8 per cent of all tax - £17.7 billion - a huge sum!

But add to the equation that there are approximately 5k high net worth individuals with assets of £20m or over, who have their very...

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Exemplary Customer Service03-Dec-2013

A key differentiator in any insurance contract is the quality of customer service at point-of-sale and more critically at point-of-claim. When choosing an insurance provider you should always consider the commercial trade-off between price paid and cover in force. It's like any other purchase, the better the quality the more you pay.

As I have previously advocated, with a lifetime career and experience in insurance and financial services, I view the claims process offered by insurance companies to be key in any decision to purchase insurance - after all insurance is a promise to pay for a...

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Are your assets valuable enough for specialist cover?12-Nov-2013

There are many official definitions of high net worth and what that means. Perhaps you’re not sure whether your assets warrant a Private Client insurer and are not convinced it’s necessary?

Well, here’s how we see it. Consider your hard earned assets for a moment and the total worth of your combined assets may well surprise you. The likelihood is you own a home and cars. Now think of your jewellery collection and if you have any artwork, paintings, ornaments, furniture or even musical instruments that are valuable in their own right and as a collection. If you actually...

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Is specialist insurance important?05-Nov-2013

Put simply, yes. All insurance is not the same and often, luxury goods, high value insurable items and bespoke assets need specific kinds of cover. Arranging the relevant insurance cover for your assets is vital to protect your investments and wealth as your protections and policies need to be designed for purpose.

Your choice is simple. You can go to generic insurers and endure the complex and time consuming task of setting up multiple polices, or you can transfer the responsibility to a company that understands you have a busy lifestyle and, frankly, one that appreciates you have better...

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